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MP+ International

Understanding Your Market. Exceeding Your Expectations.

We understand the intricacies of worldwide health care delivery and are especially sensitive to the needs of those in the missionary market. We created an entire missionary division so we could provide specialized products and services exclusive to the missionary community. Over time, we have earned a reputation for excellence by providing quality, dependable medical insurance programs to mission-sending organizations.

MP+International was designed to provide medical insurance to missionary groups by offering coverage while outside their country of residence. We recognize that stable premiums are important within the missionary community. Our attention to this fact begins with our unique plan design. MP+International offers a wide range of worldwide benefits that follow missionaries wherever they go.

At the same time, it is designed to encourage them to receive medical care overseas when feasible, where the cost of medical care is comparatively less expensive than in the U.S. Combined with other cutting-edge services like our Medical Travel Management program, MP+International benefits and services are positioned to help you and your members take more control of your health care costs, which lends itself to greater premium stability.

It is rare to find a company that offers specialized products and services for the missionary community. As much as we are proud of our history in helping missionaries and mission sending organizations throughout the years, it is we who consider ourselves blessed to have had the opportunity to contribute in some way to the well-being and peace of mind to those who are serving the great commission abroad.

Benefit Summary

The following benefits are offered to eligible insureds. The plan covers charges for Eligible Medical Expenses within the area of coverage. All amounts shown are in U.S. dollars.

Limit/OtherLimit/Amount for Eligible Medical Expenses
Area of CoverageWorldwide
Maximum Limit per Lifetime$1,000,000 standard, $5,000,000 option available
Deductible per Calendar YearAll deductibles apply worldwide and are per insured person
Family Deductible per Calendar YearTwo deductibles per family
Emergency Room DeductibleAn additional deductible of $250 will be applied for each emergency room visit in the U.S. for treatment of an illness which does not result in inpatient status
Coinsurance per Calendar YearFor treatment received outside of the U.S.: 0%
U.S. treatment:
In the PPO Network - 20% of eligible medical expenses until reaching $5,000, then 0%
Utilizing Medical Concierge Provider - 15% of eligible medical expenses until reaching $5,000, then 0%
Outside the PPO Network - 40% of eligible medical expenses until reaching $5,000, then 0%
Eligible Medical ExpensesUp to the maximum limit, the maximum limit is not in addition to any other maximum limit for any other covered illness injury.
Hospital Room & BoardUp to the average semi-private room rate, including nursing service
Intensive Care UnitMaximum of three times (3x) average semi-private room rate
Mental or Nervous Disorders Outpatient Treatment: 50% of eligible medical expenses and maximum of 40 visits per insured Person per Calendar Year.
Inpatient Treatment: Maximum of 30 days per Insured Person per Calendar Year
Physical Therapy$2,500 Maximum per calendar year
U.S.: Medical order or treatment plan required
Outside of the U.S.: Medical order or treatment plan required only for expenses over $1,000
Chiropractic Care50% of eligible medical expenses up to $500 maximum per calendar year
Hospice$7,500 lifetime maximum per insured person
Home Nursing CareLimited to 30 days per calendar year
Extended Care FacilityLimited to 60 days per calendar year
Podiatry$750 maximum per calendar year
Preventative CareUp to $1,000 per calendar year. Not subject to deductible or coinsurance
Transplant $500,000 lifetime maximum for covered transplants
Hospital Indemnity BenefitOutside of the U.S.:
Private Hospitals: $400 per overnight and $4,000 maximum per calendar year
Public Hospitals: $500 per overnight and $5,000 maximum per calendar year
Outpatient Physician/ Specialist Visit
(Office Visit Charge Only)
Within the U.S. in the PPO Network, $25 copay
Inpatient Physician Visits / ServicesSubject to deductible and coinsurance
Inter Facility Ambulance TransferMust be the result of an inpatient hospital admission
Not subject to deductible and coinsurance
Pregnancy and Newborn CareSubject to deductible and coinsurance
Pregnancy ComplicationsSubject to deductible and coinsurance
Sleep Aid DisorderUp to $2,500 sleep aid per person per calendar year
Prescription and Medication$250,000 limit per person annually
Subject to deductible and coinsurance

Outside the US: Covered at 100%

Inside the US:
  • Must utilize the Universal Rx card. Copay (per 30-day supply):
  • Tier 1 - $15; Tier 2 - $30; Tier 3 - $60
  • Maximum limit of 90-day supply per prescription
  • Not subject to Deductible and Coinsurance
  • Copayments are per 30-day supply
Expatriate Prescription Services Program:
  • Maximum limit of 180-day supply per prescription
  • Copayments are per 30-day supply
Benefits only available with purchase of MP+ International Assistance Services
Emergency Hospital Admission Direct Transfer from Emergency Medical Evacuation $20,000 maximum limit
The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
Emergency Reunion
  • Maximum Limit: $15,000
  • Day Maximum: 15
  • Meal Maximum per day: $25
  • Reasonable and necessary travel costs and accommodations
  • Approved in advance by the Company

Benefits are subject to exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance or the Application, Master Policy and any riders or other governing documents (the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.

Alternative Plan

As another option, you may want to consider our MP+ International Alternative Plan. This plan is designed to be a lower premium cost plan option that provides an incentive for your members to receive excellent medical care overseas instead of receiving care in U.S. when it is suitable. This Alternative plan provides the same benefits as the standard MP+ International plan, with the following exceptions:

  • A higher deductible for care received in the United States and a lower deductible for care received overseas.
    • Example: $500 Overseas and $1,500 in the U.S.
  • Modified Coinsurance schedule:
    • If Utilizing Medical Concierge Provider - 15% of Eligible Medical Expenses until reaching $5,000, then 0%
    • For Treatment received outside the U.S: 0%.
    • For Treatment received within the U.S:
      • If In the PPO Network, 20% of Eligible Medical Expenses until reaching $10,000, then 0%.
      • If Outside the PPO Network, 40% of Eligible Medical Expenses until reaching $10,000, then 0%.
  • Eligible transplants limited to a lifetime maximum of $250,000

Optional Supplemental Programs

As a complement to the medical benefits, MP+International offers the following supplemental assistance services and insurance programs. All amounts shown are in U.S. dollars.

MP+International Assistance Services

In the event that a member requires an evacuation, whether for a medical emergency or a political or natural disaster, the administrator will coordinate all aspects of the transfer. Because each evacuation is unique, a tailored action plan is developed to assure the best outcome.

Additional Fees May Apply

Emergency Medical Transport Services

In a medical emergency, IMG provides Emergency Medical Transport Services that have a proven track record of helping travelers get the care they need. IMG also helps contain program costs and coordinates communications across borders and constituents every step of the way home. The transportation services outlined under Emergency Medical Transport are included at no additional cost.

  • Emergency Medical Evacuation
  • Medial Repatriation
  • Repatriation of Mortal Remains
  • Vehicle Return
  • Dispatch of Physician

Security Assistance Services

Security and safety may be a traveler’s biggest concern while away from home. Give your travelers hands-on guidance and peace of mind in the event of safety threats. Security evacuation services outlined in this section are offered to the member for up to 4 days of security evacuation coordination.

  • Political Evacuation
  • Natural Disaster Evacuation

Additional Optional Services

Mental Health Services

This service provides access to master’s-level counselors through the telephone or a messaging service. Mental health consults are available 24/7, for a variety of mental health needs, including depression, anxiety, and workplace or financial stress.

Travel Intelligence Portal

This web-based portal allows the user to subscribe for location-specific alerts for ten threat categories, including Security, Transportation, Health, Entry/Exit, Financial, Language, Cultural, Environmental, Legal, and Technology. Prior to travel, the portal can also be accessed to provide information such as visa, passport, immunization requirements, local customs and medical referrals.

Employee Life Insurance

Employee Term Life and Accidental Death and Dismemberment benefits are available for principal amounts of $10,000 and greater.

Dependent Life Insurance is available as an optional coverage. It provides $10,000 of coverage for the dependent spouse and $5,000 of coverage for each dependent child over the age of six months.

Group Dental InsurancePlan IPlan IIPlan III
Calendar Year Maximum per Person$1,000$1,000$1,500
Individual Deductible$50$50$50
Family Deductible$150$150$150
Schedule of Benefits
Class I, Diagnostic, Preventive
Emergency Palliative Treatment - Not subject to deductible
100%100%100%
Class II, Basic Service
X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia
80%80%80%
Class III, Major Services
Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)
50%50%50%
Orthodontia
Separate lifetime maximum of $1,000 for Plan II and $1,500 for Plan III to age 19
0%50%50%

Teleconsultation

Teladoc provides access to a national network of board-certified doctors and pediatricians in the U.S. who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Teladoc does not replace existing primary care physician relationships, but supplements them as a convenient, affordable alternative for non-emergency medical care. The use of Teladoc will be considered as treatment inside the U.S. - PPO Network.

Medical Management Without Boundaries

The ability to access quality health care is of paramount importance when a medical emergency arises abroad. From routine medical care to complex case management, from check-ups to emergency medical evacuations, we are there to offer our expertise in cost containment and a unique blend of valuable services including:

International Utilization Management

Utilization Management is the process of determining whether the services delivered or scheduled to be delivered to a patient are medically necessary and appropriate. By using established national medical guidelines, evaluation is provided for the medical necessity for hospitalizations and out-patient services and the appropriateness of the overall treatment plan.

The key to successfully managing rising health care costs is early identification of catastrophic cases, and then taking action to manage those cases. Precertification is used as a key tool for this early identification of a patient's entry into the health care system. This allows our medical staff to be proactive in working with both the patient and the providers assuring delivery of health care in the most appropriate and cost-effective manner. Pre-certification is not a guarantee of payment. It is only a review of medical necessity.

Prior to receiving treatment, members will need to precertify the following procedures to avoid a reduction in benefits:

  • Chemotherapy
  • Extended Care Facility
  • Home Nursing Care
  • Hospice Care
  • Inpatient Hospitalization
  • Interfacility Ambulance Transfer
  • Radiation Therapy
  • Surgery or Surgical procedure
  • Transplant
  • Maternity

International Comprehensive Care Management

Our medical staff will coordinate care for your members who have highly complex cases requiring detailed management.
These services may include:

  • Concurrent review and monitoring of medical services for medical necessity
  • Coordination of the hospitalization and any necessary post-discharge care
  • Transition of patient to a U.S.-based care manager upon return to the U.S.

Medical Claim Review

If your members have received a hospital bill, there is a possibility that they have been overcharged. Most claim administrators have invested significant amounts of money incorporating claims auditing software in the claims system. The administrator takes the claim review process one step further by examining the details behind documents submitted by the medical provider. Our auditors review medical records to assure that all the services billed were actually delivered and delivered in the quantities billed.

Our goal is to assure that your members only pay for the services that were actually rendered.

Medical Travel Management

Our cutting-edge services are aimed at providing that needed premium stability. Claim costs drive premiums. Where your missionaries receive their medical care can, in large part, significantly impact your organization's claim costs. Encouraging your members to receive their medical care overseas whenever feasible can help you take control and manage your claim costs. As a rule, medical care received in the U.S. will be considerably more costly than the same care received overseas. The more your members receive medical care overseas, the greater the savings in claim cost to your medical plan. The greater the savings, the more stable the premium.

We offer Medical Travel Management, an industry unique service designed to assist your members who are considering expensive medical procedures in the U.S. by incentivizing them to consider receiving that care with qualified providers overseas. The value to your medical plan can be quite substantial when thousands of dollars in cost savings can be realized. And the benefit for your members? They can be paid a percentage of the realized savings when the cost of the procedure performed in the U.S. is greater than the cost of the same procedure incurred overseas. It's a win-win situation for everyone!

The entire process is managed and coordinated for the benefit of your members by an experienced Case Manager with the full resources, including our in-house physician - the administrator's Chief Medical Officer. Your members are presented with access to their options so they can make an informed decision. Participants are assigned a designated case manager to help with the preparation of their treatment including:

  • Assistance in locating an accredited and qualified medical provider(s) to provide the necessary medical services
  • Coordination the necessary services with the participant and with the medical provider, including patient care, travel, scheduling, and housing
  • Providing assistance with transfer and receipt of medical records before and after the services provided to the participant
  • Providing follow up services to monitor medical needs after return of participant to residence

Do you have everything you need?

We are confident that MP+International will provide the quality medical coverage specific to your organization and group members' needs. For groups of a certain size, MP+International also offers the flexibility to customize benefits. Please do not hesitate to contact us for more information. Our reputation for excellence has been built on providing top-tier programs to organizations like yours around the world, and we will work closely with you to design the benefits package to meet your specific needs.

Administrator

IMG
P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA

FOR ADDITIONAL INFORMATION

Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470
Website: www.insubuy.com

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. As of January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person's sole and exclusive responsibility to determine the insurance requirements applicable to them, and the company and the administrator shall have no liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including, without limitation, PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase Patriot Adventure, please contact your attorney or CPA.

This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered, and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.

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